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During a rough financial patch a few months ago, I found myself faced with a choice. I could seek out a short term loan, or I could risk losing my car because I wasn't able to make the payments. I'd heard bad things about short term loans, so I weighed my options carefully. However, it really seemed like taking the loan was the best option. Without it I could lose my car, which could result in losing my job, since I wouldn't be able to get to work. It seemed worth it to pay some interest to avoid that hardship.
I believe I made the smart choice. I was able to save my car and pay off the loan, and now my finances are back on track. Sometimes a short term loan can give you the breathing room you need to make some long term positive gains.